The Banks continue to reduce mortgage rates. But there is bad news: housing has become more expensive. Needless to hurry and buy property now or wait for better conditions? Leading banks began to lower mortgage rates in August and continued in September without waiting for the decision of the Central Bank's key rate. In the summer of Sberbank lowered interest rates on basic products mortgage lending up 0.7 percentage points. And August 12 reduced mortgage rates for families with two or more children. In the framework of the program "mortgage with state support for families with children" rates on loans are now 5% per annum. August 19, rates were lowered and mortgages for military personnel. VTB since August 1, reduced rates on mortgage loans by 0.5...

Decided to regularly buy the currency? Perhaps it's time to make a brokerage account. To understand, is it profitable to use the exchange as the exchange, Banks.Roo studied the rates of leading brokers and banks. the Majority of Russians buying dollars and euros in banks. But regardless of whether you use the services of the exchange or convert foreign currency through Internet banking, have to pay for it. The course is at the discretion of the Bank, and it will always be significantly higher than on the stock exchange. Especially in times when the currency market becomes turbulent and the ruble starts to wane. In these moments, as banks raised spreads — the difference between the sale price and purchase, thereby increasing the profitability of conversion...

Card "Sberbank Aeroflot" appeared 13 years ago. Rarely a banking product can boast of such a "longevity". But how profitable is it today? Consider the credit card category Classic. today, there are three categories of co-branded cards of Sberbank Aeroflot: Classic, Gold and Signature. The Classic card is the most mass product, so in it we will look for pitfalls. the credit Card as it is "Sberbank Aeroflot" classic is a classic card in the form in which all used: credit limit, interest and interest-free period. the Maximum standard credit limit offered by the savings Bank for this card is 300 thousand rubles — for customers "from the street". For payroll customers and active users of their debit cards, the Bank can offer an individual limit with a maximum of...

"Halva" is the most popular card installment by the number of issued copies. But along with the convenience of control the client receives a bouquet of disadvantages card linked to use of partner network. "Paste" ambitious Sovcombank started map "Paste" in March 2017. For the first half of 2019, the Bank has issued more than 3.3 million of these cards. "Paste" was originally an ambitious project by Sovcombank. Sergei Khotimsk, co-founder of Sovcombank, said in an interview that the total investment in the project for 5-7 years from the beginning of the run will be about 10 billion rubles. Only advertising in 2017 cost the Bank 1.5 billion. "Halva" as other card installments, it had to compete with two highly corrosive substances that developed in the early...

An extra Couple of subscriptions to a telephone number is not uncommon. Accidentally clicked the link, pressed the wrong button. And if, suddenly, 50? It turns out, it happens. Sviatoslav (name changed) decided to change the operator: the usual MTS became ill catch home. The transition to "the Megaphone" has passed without excesses. Rate for 600 rubles, in the package everything you need, connection great. Only now in mid-March on, suddenly, 2 500 rubles. Not knowing where he is so missed, Svyatoslav appealed to the same salon, where they received the SIM card. the Employee who gave him the SIM card was not there — he reportedly has resigned. The Manager suggested that the amount of the invoice is not surprising, because the phone number connected...

Repair in the South, cars in the North. For six months the Russians have issued 1 million applications through the service Banks.ru "the Wizard of selection of loans." What are user preferences? According to the number of applications predictably lead Moscow, but second place is occupied by Krasnodar Krai. Credit card most credit cards have become popular with residents of Tula region. And the least they are popular in the Chechen Republic: only 15% of IPC users of this region have designed such a product through our service. Most of the cards draws the youth. Among users under 30 on this product is nearly half the applications. Car loans Car loan especially popular in Karelia. With age, the interest in buying cars on credit is reduced. mortgage real estate...

The government began to discuss the use of funds of the national welfare Fund. What projects can receive support and how this will affect our economy and the ruble? the national wealth Fund is growing at a record pace. Now it has accumulated more than 7.8 trillion rubles, or 124,1 billion dollars since the beginning of the year, its volume doubled by the end of the year its liquid part can exceed 7% of GDP. This means that the money the government can spend at its discretion. For example, the execution of the may presidential decree, according to which, we will remind, Russia should be among the five largest economies in the world. How much intend to spend, is still unknown. If you believe the statements of the first Vice-Premier, Minister of Finance Anton...

Card installments could not supplant POS-loans: banks are expanding in new segments, introducing new technologies. But the new requirements of the Central Bank may be a threat to POS business. POS-crediting is one of the most adaptive and "tenacious" trends in retail banking. This segment was the first to recover after the crisis 2014-2015: the growth of the portfolio of POS-loans in the whole banking system has resumed in the second half of 2016. Banks, which traditionally was the leader in this segment continues to see his prospects and continue to develop it. We will remind, refused to work with the POS-lending, alpha Bank announcing it last fall. "POS loan is one of the main starting products for retail banks in establishing relationships with reliable...

Agency Fitch upgraded Russia's credit rating a week later, after the United States announced new sanctions. Why there is nothing strange? Two worlds Agency Fitch upgraded long-term Issuer default rating of Russia to "BBB" by returning it to the level of 2014. To sum up the assessment that our country has received from all three leading rating agencies — S&P, Moody's and Fitch — that Russia is now on par with Kazakhstan, ahead of Romania and Uruguay and is still inferior to Colombia, Indonesia and Thailand, said the head of the Department of securities with fixed yield of UK "Opening" Dmitry kosmodemyansky. the news of the rating upgrade was received in Russia with a certain bewilderment: too rich background information last weeks negative news. Russia's...

The Bank may issue on behalf of the customer credit card, even if he didn't ask for. How is this possible what are the consequences and what to do next? a Few years ago, a credit card could be in the mailbox nothing on her unsuspecting client. Financial institution sent a "promotional" plastic quite active. It was a pre-approved credit card with already set limit, the client only had to activate it. Since the practice of sending cards with customer data in the mail was not always safe, large banks from it gradually declined. But pre-approved credit cards remained. For example, the Bank can send this by courier or personal Manager in addition to other products that the customer has requested. Another option — when a Bank within the marketing campaign sends a...

On August 26, come into force new sanctions of the USA against Russia. Russian Finance Minister Anton Siluanov said that the Russian economy has successfully adapted to the sanctions and they are no longer afraid. However, the currency market had a different opinion: the dollar and the Euro for the first half of August, climbed more than 2 rubles. Who to trust: the market or the Minister? How terrible the new sanctions and what they will cost the Russians? And where at the end of the year will be the ruble? this time? now, on the 26th of August, takes effect the second package of sanctions of the USA against Russia in the case Skrobala. The reason for their introduction said, is that Moscow has provided the assurances required by American law "On control of...

The Government has thrown investors the next "surprise". With the new year has opened an account with a foreign brokerage firm or Forex dealer will have to report to the tax office. the choice of the investor My friend the investor Peter recently opened an account with a foreign broker. Chose Saxo Bank because the organization has provided support for Russian language, and the minimum amount for opening the account was 10 thousand dollars. For the investor who wants to invest in foreign securities, the normal start-up capital. His decision to open an account outside of Russia, Peter explained simply: want to sell directly — no Prime brokers or intermediaries in Russia and not worry about the impending restrictions, referring to the plans of the Central Bank...

In "National ranking" Banks.ru, frequent complaints of issuance of credit cards with a zero limit. Why the customer comes in with a credit card, and de facto receives a debit? And then what to do with this "piece of plastic"? "I Took a map of halva in order to installments for 40 Tr, in fact got 10 cents," complained the user under the name A. Oparina in the "people's rating" (spelling and punctuation here and then saved. — Approx. ed.). Client Sovcombank said that he had applied for a "Paste", and pre-the credit limit the Bank, she approved what sent the appropriate SMS. But, having received from the courier plastic and going with him to the store to shop, A. Oparina was surprised to find that the limit on the card — 0,1 ruble. the Bank explained that the...

The bailiffs put themselves at the service of new technologies. System of recognition of automobile numbers are already helping to return billions of rubles. Next is face recognition. In 2018 the Federal bailiff service, according to his own report, received for the enforcement of 60.3 million of Executive documents (26.5 million from the courts, to 19.6 million from the traffic police and 14.2 million from other bodies). Chasing debtors is troublesome and expensive. The court bailiffs do not have the time. According to the same report, each of them last year had 3.7 thousand Executive productions — ten for every day of the year including weekends. So the service uses against debtors, especially individuals, "weapons of mass destruction." the Barrier on...

Competition of banks for mortgage borrowers has intensified, analysts and market participants. Why is this happening and what are the benefits from this can get clients? Banks come to the second round in lowering mortgage rates. From late spring re-softening of the conditions for its products has taken Sberbank, Russian agricultural Bank, Absolut Bank, ROSBANK, Alfa-Bank and Promsvyazbank. In the same period 18 players somehow improve the conditions for mortgage loans. For example, Gazprombank and Promsvyazbank ease the burden for borrowers under the program "Family mortgage". VTB and TCB announced a refinancing program, and "URALSIB" Bank and "Opening" launched promotions on mortgage loans. Banks, in particular, discount rate, if the customer purchases...